Property Atlas

County hazard profile

Fajardo, PR

Puerto Rico · pop. 32,057 · FIPS 72053

Insufficient Data
FEMA risk rating · RATING
—
dominant hazard
$32M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

among the lowest nationally

national median $15M/yr Fajardo $32M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

Recorded · NFIP flood claims RECORDED

Realized flood losses in Fajardo

The National Flood Insurance Program has paid 474 flood-insurance claims totaling $1.6M in Fajardo since 1978. The costliest year was 1992 ($194K paid).

Flood-insurance dollars paid by year of loss

1978: $36,585 paid 1979: $165,817 paid 1981: $56,528 paid 1982: $56,179 paid 1983: $36,214 paid 1984: $7,740 paid 1985: $37,104 paid 1986: $59,905 paid 1987: $118,816 paid 1989: $120,018 paid 1991: $0 paid 1992: $194,182 paid 1993: $96,709 paid 1995: $0 paid 1996: $47,026 paid 1997: $30,770 paid 1998: $66,885 paid 1999: $2,194 paid 2000: $12,583 paid 2001: $82,253 paid 2003: $119,388 paid 2004: $117,611 paid 2005: $10,666 paid 2008: $15,969 paid 2009: $22,963 paid 2010: $10,676 paid 2011: $20,067 paid 2014: $7,966 paid 2017: $15,000 paid 1992 · $194K 1978 2017
$1.6M
total paid
$3,308
average claim
$29K
largest single claim
70%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Fajardo, PR and where it ranks among U.S. counties. It is not a verdict on whether Fajardo is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.